Hometown Banking for Over 25 Years
Community First Bank for loans, mortgages, savings and investments in Fairview Heights, Swansea, Belleville, O'Fallon, Shiloh and the Metro-East area
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First Equity Line, Our Home Equity Line of Credit Program

Your home is one of your largest assets.  Many homeowners enjoy the convenience of using their First Equity Line to fund virtually any major purchase.  If you are in the market for a home equity line of credit, our First Equity Line may be right for you.

Contact Us
Community First Bank

4600 North Illinois Street • Fairview Heights, IL 62208
Corner of Route 159 & Frank Scott Parkway
Phone (618) 234-9500          Fax (618) 234-9585

Product Features:

Make your home equity work for you!

Use your First Equity Line for any reason including:

How Much Available Credit Can You Borrow?

Simply take 85% of your home’s current appraised value and subtract from that amount the balance owed on your existing mortgage. In this example, you make entries in the white boxes for your own house. The calculations appear in the shaded boxes.

To apply for your First Equity Line, call us today (618) 234-9500. We look forward to being of service to you!

A free pamphlet, What You Should Know about Home Equity Lines of Credit is available in our lobby or may be viewed online at http://www.federalreserve.gov/pubs/equity/equity_english.htm. You may also obtain a copy by mail. Please send your name, address, and the number of copies requested to Publications Fulfillment, Board of Governors of the Federal Reserve System, Washington, DC 20551. To order online visit http://www.federalreserve.gov/pubs/order.htm.

                                                                                 Example                   Your House

Current Appraised Value                                    $200,000               

Percentage                                                              x 85%                          x 85%

Percentage of Current Appraised Value        = $170,000          $ 

Less Balance Owed on Your Mortgage         -  $140,000             

Potential credit                                                    = $30,000            $ 


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Community First Bank provides banking services for Fairview Heights, Swansea, Belleville, O'Fallon, Shiloh and the Metro-East St. Louis area. Personal services include checking, CDs, savings & investments and loans. Business services include checking, CDs, loans and other business services. We also offer online banking. Other services include the CFB Debit/ATM Card, safe deposit boxes, telephone banking and credit card services. See our rates for interest bearing accounts.
Community First Bank will NEVER ask you to verify your account information online, nor will we request this information through email. Community First Bank will not ask you to supply any account information or personal information by phone or email. Any official requests for sensitive information will be written on bank letterhead. If you are in doubt regarding the validity of a request for information, please feel free to contact the bank directly for confirmation. If you think you are a victim of identity theft or if you are solicited for information, please contact the bank immediately at (618) 234-9500.